[hennie pennie]

>>>> "Actually, Chase screwed it up so bad that it was not until August they turned the mortgage over to some company I have never heard of, IBM Lender Services, and it was not until November when we got a notice of foreclosure stating the house would be auctioned in February. To be honest, still have not made arrangements to move into an apartment close to the kids school as I found out, I might lose my job again." <<<<

OMG, I hope you stay employed. I'd contact Legal Aid and see if you can have some experts go over those papers -- that seems a VERY short time for a foreclosure to go into effect.

[hsmomx3]

Sorry, I should have stated the dates...Chase messed it up from April 2009 to September 2010 and we were making limited payments as requested.

Then they turned it over to this other company who put it in foreclosure but they said they are willing to work with us on a modification.

I wonder if they allow the foreclosure auction to go as planned even while you are attempting to do a modification. Something they never really said.